What is Rheumatoid Arthritis?
Rheumatoid Arthritis (RA) is an autoimmune disease that causes chronic inflammation of the joints. Rheumatoid Arthritis can also cause inflammation of the tissue around the joints, as well as in other organs in the body.
Autoimmune diseases are illnesses that occur when the body’s tissues are mistakenly attacked by their own immune system. The immune system contains a complex organization of cells and antibodies designed normally to “seek and destroy” invaders of the body, particularly infections.
Patients with autoimmune diseases have antibodies in their blood that target their own body tissues, where they can be associated with inflammation. Because it can affect multiple other organs of the body, rheumatoid arthritis is referred to as a systemic illness and is sometimes called rheumatoid disease.
While Rheumatoid Arthritis is a chronic illness, meaning it can last for years, patients may experience long periods without symptoms. However, Rheumatoid Arthritis is typically a progressive illness that has the potential to cause joint destruction and functional disability.
This A+ carrier can offer “credits” through their program that will improve what is typically a substandard rating.
Let’s take a look at this case study:
- Seeking $750,000 Term
- Male, 46 years old, regular build, NS
- Diagnosed with Rheumatoid Arthritis three years ago
- Treated successfully with continuous low dosage of Methotrexate
Initial workup Table 2
However, with the application of the following program “credits”:
- Lifetime nonsmoker
- Has a college degree
- Favorable family history
- Good cholesterol ratio
- Preferred or better driving record
The offer is now Standard!
Call your CPS Life Underwriting team today to discuss your client’s impaired health history. Together, we can pre-qualify your client for the best possible offer.